| Scrip code | 504973 |
|---|---|
| NSE Symbol | CHOLAHLDNG |
| MSEI Symbol | NotListed |
| ISIN | INE149A01033 |
| Name of company | Cholamandalam Financial Holdings Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 07-11-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 10-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 07-11-2025 12:00:00 |
| End date and time of board meeting | 07-11-2025 14:00:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 7,20,178.00 | 14,15,571.00 |
| (ii) | Dividend Income | 996.00 | 1,573.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 52,831.00 | 1,06,501.00 |
| (v) | Net gain on fair value changes | 0.00 | 10,733.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 7,639.00 | 22,297.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 123.00 | 220.00 |
| (ix) | Other revenue from operations | ||
| 1 | Premium income net of premium ceded to reinsurers | 1,66,956.00 | 3,18,878.00 |
| Total other revenue from operations | 1,66,956.00 | 3,18,878.00 | |
| Total Revenue From Operations | 9,48,723.00 | 18,75,773.00 | |
| Other income | 12,779.00 | 21,442.00 | |
| Total income | 9,61,502.00 | 18,97,215.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 1,19,790.00 | 2,24,835.00 | |
| Finance costs | 3,51,775.00 | 6,98,542.00 | |
| Depreciation, depletion and amortisation expense | 8,255.00 | 16,115.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 2,582.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 89,736.00 | 1,77,960.00 | |
| (f) | Other expenses | ||
| 1 | Insurance claims (net of reinsurance recoveries) | 1,33,281.00 | 2,62,666.00 |
| 2 | Other expenditure | 93,105.00 | 1,84,643.00 |
| Total other expenses | 2,26,386.00 | 4,47,309.00 | |
| Total expenses | 7,98,524.00 | 15,64,761.00 | |
| 3 | Total profit before exceptional items and tax | 1,62,978.00 | 3,32,454.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,62,978.00 | 3,32,454.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 47,813.00 | 96,413.00 |
| 9 | Deferred tax | (6,064.00) | (11,008.00) |
| 10 | Total tax expenses | 41,749.00 | 85,405.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,21,229.00 | 2,47,049.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 198.00 | 332.00 |
| 15 | Total profit (loss) for period | 1,21,427.00 | 2,47,381.00 |
| 16 | Other comprehensive income net of taxes | (1,550.00) | 3,460.00 |
| 17 | Total Comprehensive Income for the period | 1,19,877.00 | 2,50,841.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 54,992.00 | 1,12,842.00 | |
| Total profit or loss, attributable to non-controlling interests | 66,435.00 | 1,34,539.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 53,329.00 | 1,15,438.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 66,548.00 | 1,35,403.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 1,878.00 | 1,878.00 | |
| Face value of equity share capital | 1 | 1 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 29.28 | 60.09 | |
| Diluted earnings per share from continuing operations | 29.28 | 60.09 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 29.28 | 60.09 | |
| Diluted earnings per share | 29.28 | 60.09 | |
| 23 | Debt equity ratio | ||
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 3,32,454.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 6,98,542.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | (8,609.00) | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (61,225.00) | |
| Adjustments for decrease (increase) in other non-current assets | (17,48,119.00) | |
| Adjustments for other financial assets, non-current | 0.00 | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | (39,595.00) | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 16,115.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for provisions, current | 3,620.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 40,719.00 | |
| Adjustments for other financial liabilities, non-current | 6,675.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 1,067.00 | |
| Adjustments for interest income | 1,02,533.00 | |
| Adjustments for share-based payments | 4,198.00 | |
| Adjustments for fair value losses (gains) | (10,937.00) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 299.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 1,55,663.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (10,46,254.00) | |
| Net cash flows from (used in) operations | (7,13,800.00) | |
| Dividends received | 1,067.00 | |
| Interest paid | 7,16,341.00 | |
| Interest received | 97,780.00 | |
| Income taxes paid (refund) | 73,385.00 | |
| Other inflows (outflows) of cash | 3,17,668.00 | |
| Net cash flows from (used in) operating activities | (10,87,011.00) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 921.00 | |
| Purchase of property, plant and equipment | 20,129.00 | |
| Proceeds from sales of investment property | 0.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 0.00 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | 0.00 | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (47,966.00) | |
| Net cash flows from (used in) investing activities | (67,174.00) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 0.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 2,555.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 66,30,145.00 | |
| Repayments of borrowings | 54,28,571.00 | |
| Payments of lease liabilities | 8,805.00 | |
| Dividends paid | 5,714.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities | 11,89,610.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 35,425.00 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 35,425.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 5,38,591.00 | |
| Cash and cash equivalents cash flow statement at end of period | 5,74,016.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 5,74,016.00 | ||
| Bank Balance other than (a) above | 4,76,591.00 | ||
| Derivative financial instruments | 71,294.00 | ||
| Receivables | |||
| (I) Trade Receivables | 21,186.00 | ||
| (II) Other Receivables | 15,313.00 | ||
| Loans | 1,94,23,548.00 | ||
| Investments | 25,30,386.00 | ||
| Other Financial assets | 3,45,493.00 | ||
| Total Financial Assets | 2,34,57,827.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 21,406.00 | ||
| Deferred tax Assets (Net) | 1,02,706.00 | ||
| Investment Property | 2,896.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 2,08,647.00 | ||
| Capital work-in-progress | 882.00 | ||
| Intangible assets under development | 8,097.00 | ||
| Goodwill | 4,272.00 | ||
| Other Intangible assets | 5,673.00 | ||
| Other non-financial assets (to be specified) | 1,75,782.00 | ||
| Total Non Financial Assets | 5,30,361.00 | ||
| Total assets | 2,39,88,188.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 1,878.00 | ||
| Other equity | 13,65,057.00 | ||
| Total equity attributable to owners of parent | 13,66,935.00 | ||
| Non controlling interest | 157983000000 | ||
| Total equity | 29,46,765.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 23,878.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 358.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 39,237.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,62,740.00 | ||
| (C ) | Debt Securities | 36,72,656.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,38,78,312.00 | |
| (e) | Deposits | 0.00 | |
| (f) | Subordinated Liabilities | 11,48,315.00 | |
| (g) | Other financial liabilities | 12,80,226.00 | |
| Total Financial Liabilities | 2,03,05,722.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 33.00 | |
| (b) | Provisions | 28,605.00 | |
| (C ) | Deferred tax liabilities (Net) | 186.00 | |
| (d) | Other non-financial liabilities | 7,06,877.00 | |
| Total Non Financial Liabilities | 7,35,701.00 | ||
| Total liabilities | 2,10,41,423.00 | ||
| Total equity and liabilites | 2,39,88,188.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Financing | 7,49,138.00 | 14,75,818.00 |
| 2 | Insurance | 2,04,512.00 | 4,15,046.00 |
| 3 | Others | 3,007.00 | 3,372.00 |
| 4 | Inter segment | 0.00 | 0.00 |
| Total Segment Revenue | 9,56,657.00 | 18,94,236.00 | |
| Less: Inter segment revenue | (10,516.00) | (18,463.00) | |
| Revenue from operations | 9,67,173.00 | 19,12,699.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Financing | 1,56,465.00 | 3,09,592.00 |
| 2 | Insurance | 6,194.00 | 22,260.00 |
| 3 | Others | 3,127.00 | 3,544.00 |
| 4 | Inter segment | (2,610.00) | (2,610.00) |
| Total Profit before tax | 1,63,176.00 | 3,32,786.00 | |
| i. Finance cost | 0.00 | 0.00 | |
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |
| Profit before tax | 1,63,176.00 | 3,32,786.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Financing | 2,15,62,288.00 | 2,15,62,288.00 |
| 2 | Insurance | 23,75,395.00 | 23,75,395.00 |
| 3 | Others | 10,895.00 | 10,895.00 |
| 4 | Inter segment | (88,774.00) | (88,774.00) |
| Total Segment Asset | 2,38,59,804.00 | 2,38,59,804.00 | |
| Un-allocable Assets | 1,28,384.00 | 1,28,384.00 | |
| Net Segment Asset | 2,39,88,188.00 | 2,39,88,188.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Financing | 1,90,80,357.00 | 1,90,80,357.00 |
| 2 | Insurance | 20,49,513.00 | 20,49,513.00 |
| 3 | Others | 327.00 | 327.00 |
| 4 | Inter segment | (88,774.00) | (88,774.00) |
| Total Segment Liabilities | 2,10,41,423.00 | 2,10,41,423.00 | |
| Un-allocable Liabilities | 0.00 | 0.00 | |
| Net Segment Liabilities | 2,10,41,423.00 | 2,10,41,423.00 | |
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Items that will not be reclassified to profit and loss | -73400000 | -110900000 |
| Total Amount of items that will not be reclassified to profit and loss | -73400000 | -110900000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (187.00) | (282.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit and loss | -134000000 | 572900000 |
| Total Amount of items that will be reclassified to profit and loss | -134000000 | 572900000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (337.00) | 1,442.00 |
| 5 | Total Other comprehensive income | (1,550.00) | 3,460.00 |
| Whether results are audited or unaudited | Unaudited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | R.G.N. Price & Co. | Yes | 31-03-2028 | ||
|---|---|---|---|---|---|